. The Framework has been established in accordance with the SLBP 2020. The SLBP 2020 are voluntary process guidelines that outline best practices for financial instruments to incorporate forward-looking
May 31, 2020, the loss allowance for a financial instrument was calculated based on the concept of expected credit losses (ECL), the principles of hedge accounting and forward looking macroeconomic
profit of 1,497 million baht, a decrease of 432 million baht or 22% y-y, and earning per share was 5.99 baht, which was resulted from higher provision in the first quarter with probable forward looking
provision in the first quarter of 2020 with probable forward looking risk factors due to COVID-19 situation. For the fourth quarter of 2020, the Company had consolidated operating income of 1,491 million baht
result from increasing of written-off receivables as well as the Company has also set additional management overlay for a hedge with probable forward looking macroeconomics factors, the disease pandemic
investing activities of Baht 19 million. 6. Forward Looking The Company expects that this year it will be able to achieve sales growth of c.5%, which is lower than its original projection of 10-15%. We
baht, which was resulted from higher provision in the first quarter of 2020 with probable forward looking risk factors due to COVID-19 situation. Net profit was mainly contributed by continued growth of
written- off receivables as well as the Company has also set management overlay for a hedge with probable forward looking macroeconomics factors. Net credit cost was at 5.1% increased from 4.1% in the first